ICICI 1838 Reserve credit card launched, Rs 1,75,000 fee, Oct 2026

ICICI Bank's 1838 Reserve credit card has a joining fee of Rs 1,75,000 plus GST and an annual fee of Rs 1,75,000 plus GST. ICICI's card page says there is no annual fee waiver at any spend. Times Internet, the digital arm of The Times of India Group, unveiled the card in New Delhi on 30 October 2026. ICICI issues it with Times Internet and Visa.

The card is by invitation only. ICICI asks interested customers to contact their Relationship Manager or register interest on the card page, after which the bank checks eligibility. ICICI does not publish an income or relationship threshold. Add-on cards are not issued.

ICICI lists reward points worth 3% on domestic spends and 2% on international spends, with zero forex markup. Points are capped at 1,00,000 a month overall. Utility, telecom, government, tax, education and insurance spends share a cap of 10,000 points a month. Fuel, rent, e-wallet and EMI transactions earn no points. There is a 1% fuel surcharge waiver, nil ATM withdrawal fee and nil late payment fee. Interest on an unpaid total due is 1.67% a month.

The benefits are memberships and services, not lounge visits. ICICI lists full membership of The Quorum Club with access to over 280 private clubs in 52 countries, a Crib Life concierge with a Lifestyle Manager, Accor+ Explorer Gold tier, Harrods Gold tier, four Truefitt and Hill services a year (one a quarter), and doorstep visa handling for the cardholder, spouse and up to two children. Each quarter there is one chauffeur airport transfer at select locations and 50% off a companion's ticket when you book one business class ticket, up to Rs 50,000 off. The card page does not mention airport lounge access or golf.

Welcome benefits are a one-night stay at a Lohono Stays Platinum Villa, a gift from Marshall, Smeg or Le Creuset on Tata CliQ Luxury or from Good Earth, and a Klook museum visit for two. ICICI says the welcome email arrives within 45 business days of paying the joining fee. The Times Internet release also names GHA DISCOVERY Titanium and Banyan Tree Voyager status, which the ICICI card page does not list.

The 1838 Reserve now carries the highest fee among the ICICI cards in our catalogue. The Times Black ICICI Bank card, also made with the Times group, is the closest card from the same partners. See every ICICI Bank credit card and our 1838 Reserve page, which we are updating from ICICI's own terms.